Loan Products & Rates

Effective October, 2017

Autos

  • New/Used Autos 2013 & newer (up to 36 mos, up to 130% financed): 2.74% – 12.74% APR
  • New/Used Autos 2013 & newer (up to 60 mos, up to 130% financed): 3.24% – 13.24% APR
  • New/Used Autos 2013 & newer (up to 72 mos, up to 130% financed): 3.74% – 13.24% APR
  • New/Used Autos 2013 & newer (up to 84 mos, up to 100% financed): 4.24% – 14.24% APR
  • Used Autos older than 2013, less that 100k miles (up to 72 mos): 4.24% – 14.24% APR
  • Used Autos older than 2013, over 100k miles (up to 60 mos): 5.24% – 115.24% APR

Financing includes sales tax, license fees, extended warrantys & SFCU Gap Insurance. New/Used vehicle financing available up to 130% of NADA/KBB value on 2013 or newer. Must be $15,000 min for 72 mos term, must be $25,000 min for 84 mos term. Rate will increase by 2% for older vehicles with more than 100,000 miles if over 130% LTV. 


Boats

  • New/Used Boats 2007 or newer (up to 96 mos): 4.49% – 14.49% APR
  • New/Used Boats 2007 or newer (up to 180 mos): 4.99% – 14.99% APR
  • New/Used Boats 2007 or newer (up to 240 mos): 5.99% – 6.49% APR
  • Used Boat older than 2007 (up to 120 mos): 5.99% – 16.99% APR

Financing includes tax and licensing only. Boats up to 26 in length with trailers. New/Used financing up to 100% of retail NADA value on boats. 180 mos loan term available on 2007 or newer, $25,000 minimum. Maximum 90% LTV financed, A or A+ credit rating for 240 month term ($50,000 minimum finance amount.) 


RV’s

  • New/Used RV s 2007 or newer (up to 96 mos): 5.24% – 15.24% APR
  • New/Used RV s 2007 or newer (up to 180 mos): 5.74% – 15.74% APR
  • New/Used RV s 2007 or newer (up to 240 mos): 6.24% – 6.74% APR
  • Used RV s older than 2007 (up to 180 mos): 6.24% – 16.24% APR

Financing includes tax and licensing only. Maximum 90% LTV financed of retail NADA value. Maximum 80% LTV financed, A or A+ credit rating for 240 mos term ($50,000 minimum finance amount.) 


Motorcycles – (Street legal only)

  • New/Used Motorcycle Rate (2007 or newer): 4.49% – 15.49% APR
  • Used Motorcycle Rate (older than 2007): 5.99% – 16.49% APR

Financing includes tax and licensing only. 2007 or newer financing up to 100% of NADA value. Motorcycle financing up to 72 mos term depending on loan amount. 


Mastercard Platinum

13.90% – 16.90% APR Limit $500 – $10,000

  • No Annual Fee
  • No Balance Transfer Fee
  • 25 day grace period
  • Same rate for Purchase, Cash Advances and Balance Transfers
  • See MasterCard Credit Card Agreement for fees and terms

Mastercard Cash Rewards

8.90% APR Limit $5,000 – $20,000

  • No Annual Fee
  • No Balance Transfer Fee
  • 25 day grace period
  • Same rate for Purchase, Cash Advances and Balance Transfers
  • See MasterCard Credit Card Agreement for fees and terms

Line of Credit

11.50% APR Minimum

  • $25 monthly payment

Lifestyle/Signature/ Personal & Partially Secured Loans

8.74% – 18.74% APR

  • Maximum 72 mos term

Home Equity Lines of Credit

  • 1 yr Variable/Traditional: 5.875% APR
  • HELOC Max: 9.875% APR

Line of Credit Loans have 5 yr draw period. Up to 80% of appraised value, for 5yr fixed/variable. Up to 80% of appraised value, for 1yr variable.  Loan limits up to $250,000* for qualified borrowers.  Owner occupied, single family residences only. Variable Rates adjusted October 1st, based on 6 mo Treasury Bill.  240 mos term available on loan amounts greater than $100,000. 180 mos term available on loan amounts less than $100,000.

*First lien HELOCs max $250,000.  Second lien HELOCs max $100,000.


Home Improvement (Unsecured)

11.49% – 14.49% APR

  • Borrow up to $7,500 Up to 120 month term
  • Must be used for home improvement

Share Secured Loans

3.03% APR

  • Max loan amount 100% of share acct less $25 membership shares
  • Rate is 3.00% APR above Share Account s current dividend rate, as disclosed on your Share Account Agreement
  • Maximum loan term 60 mos
All Washington state residents are eligible to join.

Routing Number: 325182360 | Copyright © 2018 Sno Falls Credit Union. All rights reserved.

Equal Housing Opportunity Federally Insured by NCUA